TD Aeroplan Visa Infinite Review: 40,000 Points Offer
The TD® Aeroplan® Visa Infinite* Card is the Aeroplan card Canadians apply for the most across our network, by a wide margin. The formula: up to 40,000 Aeroplan points, a first-year fee rebate, and a free first checked bag on Air Canada for you and up to eight companions.
Here is exactly how the offer pays out, what the card earns, and who should pick it over the premium tiers. For the whole category, see our best Aeroplan credit cards ranking.
Welcome Offer: Up to 40,000 Points
TD splits the offer into three instalments, so the full amount depends on your first-year spending:
- 10,000 points: on your first purchase
- 15,000 points: when you spend $3,000 in the first 90 days
- 15,000 points: on your first anniversary, if you spend $12,000 over the year
- First year free: the $139 annual fee is rebated for the primary and additional cardholders
Earn Rates
Earning concentrates on two everyday categories, with Aeroplan partner stacking on top:
| Category | Points per $1 |
|---|---|
| Groceries | 1.5 |
| Gas | 1.5 |
| Air Canada purchases | 1.5 |
| All other purchases | 1 |
Air Canada Perks and Insurance
- Free first checked bag: for the cardholder and up to 8 companions on the same Air Canada booking
- Preferred pricing: on Aeroplan flight rewards while you hold the card
- Insurance: travel medical, trip cancellation and interruption, rental car coverage, mobile device insurance, purchase protection and extended warranty
The checked-bag benefit alone is the quiet star: a family of four checking bags both ways saves roughly $280 per round trip, twice the annual fee.
Fees and Eligibility
| Item | Amount |
|---|---|
| Annual fee | $139 (rebated year 1) |
| Additional card | $75 (also rebated year 1) |
| Purchase rate | 21.99% |
| Cash advance rate | 22.99% |
| Foreign currency conversion | 2.5% |
| Minimum income | $60,000 personal or $100,000 household |
If your income sits below the Visa Infinite floor, the Amex Aeroplan Card has no such requirement; our Aeroplan ranking compares the full lineup.
Who This Card Is For
- Air Canada households: anyone flying the airline two or more times a year, where the bag benefit compounds
- Aeroplan collectors: the 1.5x groceries and gas rates feed the program without changing habits
- First premium card: a fee-waived year makes it a low-risk step up from no-fee cards
Who Should Look Elsewhere
- Non-Air Canada flyers: the perks concentrate on one airline; a flexible travel card returns more
- Lounge seekers: no lounge access at this tier; that starts at the $599 cards
How It Compares
Against its own family, the card sits between the $89 TD Aeroplan Visa Platinum, which drops the anniversary tranche and insurance depth, and the $599 Visa Infinite Privilege, which adds lounge-grade perks. Against Amex, the Aeroplan Card matches the bag benefit with no income floor, but posts a smaller first-year offer.
Our Verdict
For most Aeroplan members, the TD® Aeroplan® Visa Infinite* Card is the sweet spot: real airline perks at a mid-range fee, waived in year one. The anniversary tranche rewards keeping the card active rather than churning it.
Frequent flyers who want Maple Leaf Lounge access should look one tier up; occasional flyers who mostly want the bag benefit and preferred pricing are exactly where this card wins. Compare it side by side in our comparison tool.
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TD Aeroplan Visa Infinite – Frequently Asked Questions
How much is the TD Aeroplan Visa Infinite welcome offer?
Up to 40,000 Aeroplan points: 10,000 on your first purchase, 15,000 after $3,000 of spending in the first 90 days, and 15,000 on your first anniversary if you put $12,000 on the card over the year. TD also rebates the $139 annual fee for the first year.
Does the card include a free checked bag on Air Canada?
Yes. The primary cardholder and up to eight travel companions on the same reservation each get their first checked bag free on Air Canada flights. For a family checking bags both ways, that benefit alone typically exceeds the annual fee.
What income do I need to qualify?
Visa Infinite cards require $60,000 personal or $100,000 household annual income. If you sit below that, the Amex Aeroplan Card carries no income floor; see our best Aeroplan cards for the comparison.
What is an Aeroplan point worth?
Economy redemptions within North America commonly return 1.5 to 2 cents per point, and premium-cabin international redemptions can exceed that. At 1.5 cents, the full 40,000-point offer is worth about $600 in flights.
Is the TD Aeroplan Visa Infinite better than the Amex Aeroplan Reserve?
They serve different flyers. The TD card costs $139, waived in year one, and covers the essentials: free bag and preferred pricing. The Reserve costs $599 and adds Maple Leaf Lounge access and priority services, which pays off when you fly Air Canada monthly.
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